SS
Sadia Siddiqui
Freelancer · Rawalpindi · APP-24107 · received 26 Sept 2026
Requested
PKR 45,000
Term
24 months
Purpose
Home repair
- Repay probability
- 87%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 710.
- Utility bills paid on time+35
Paid 9 of 12 utility bills on or before the due date.
- Mobile number age+15
Same mobile number for 8 years 3 months.
- Savings buffer−11
Balance typically covers 0.6 months of spending.
- Failed mobile payments−6
3 of 22 mobile payments failed.
- Wallet balance cushion−6
Average wallet balance of PKR 4,063 against PKR 8,146 monthly wallet spend.
- Mobile account activity+6
Mobile account was topped up in 11 of the last 12 months.
- Utility bills left unpaid+5
No utility bill was left unpaid past 30 days.
Not connected: Repayment history. Those factors are scored at the population average and lower confidence.
Cash flow
Crescent Microfinance · last 12 months
Money inMoney out
Recommendation
Approve
Meets every policy check. Eligible for instant approval.
- Credit score710 vs approve ≥ 660, decline < 560
- Debt-to-income2% of income vs 40% limit
- Data coverage4 of 5 sources connected (minimum 3)
- Loan tierAt or under the PKR 100,000 instant limit
- Overdraft patternOverdrawn ~4.8 days a month
- Monthly instalment
- PKR 2,470
- Verified income
- PKR 111,800
- Existing instalments
- PKR 0
- Max affordable
- PKR 814,000
Income source: median monthly bank deposits
Decision
The model recommends; you decide. A reason is required and goes to the audit log.
Add a short reason to enable the buttons.
Data shared
- Utility bills
- Mobile account
- Mobile wallet
- Bank account
- Repayment history—